tv The Willis Report FOX Business July 19, 2013 6:00pm-7:01pm EDT
thanks to both a few, have a terrific friday and a terrific weekend, we will see you back here on monday. >> hello, everybody. tonight on "the willis report." a dna test to know your medical future. also tracking teenagers when they are behind the wheel. how do you do that? and 95 years old, more fit than men have his age. he is here to tell us. we're watching out for you on "the willis report." that and more coming up, but the top story, the battle is on for
what is left of detroit. pension fund, union and debtholders scrambling for their cut after the city declared itself bankrupt. but what is happening in detroit may not stay there. it could have big implications for the rest of us. with us now from the frontline strategy company and with yard advisors. i am going to start with you, this is one of the most talked about bankruptcies before it even happens and certainly the largest that happened not too long ago. what do you make of this? >> it is a tale of two cities if you don't mind me. stockton was a perfect storm of a very intense time of overspending, overpromising and under developing where detroit is a systematic breakdown of what would have been progressive policies in the social agenda front. i grew up south of detroit in
ohio, went to the city on a regular basis. it was a magnificent place. to see it deteriorate or you have a huge pension obligations, the fact the tax base has left metropolitan area, building up over the last 15 to 20 years, it is the perfect storm. gerri: here is what rick snyder said. >> that'll come through the process, the point is anybody buying bonds should be aware of the financial challenges. we want to work through this, get that done. gerri: having big effects, what do you make of the governor's statement, what he had to say
about this. what he is saying is quite dangerous. he has characterized the general obligation bonds as being unsecured creditors of the city, and i always believed and i think the market believes the past 100 years they are obscured by the municipality. very dangerous precedent he is trying to set here. cheryl: emergency city manager is proposing bondholders get cents on the dollar. >> the same thing in the stockton case earlier this year where they basically sided with the city and calpers, the large pension fund for state workers in the state of california. of course the bondholders get a haircut and the problem is you have to find some sort of equity
or penalty here. if they got the bondholders, who is going to invest in cities and municipalities if they know they will get it? gerri: detroit has been a mess. the city in big trouble, some people have left, population declining. you cannot even get a cop or a famine to your house inside of an hour. the problems go way beyond muni bonds, right? >> absolutely. they are just the final symptom of the collapse it detroit is a mess, it has been a mess, on trial for everything wrong with urban america. your heart has to go out to these with the you think deserve the pension or not.
they are now in a situation where they don't know if they will continue to get the pension that they have relied upon to live. it is a very competent a situation and won't be sorted out quickly. gerri: we have to have some sympathy for these people, but the city overpromise and under delivered. people are not paying their water bills, their heating bills, at the end of the day the city has made major mistakes along the way and if anybody was to pay, it has to be the local government. >> here's where we get down to the crux of the problem. not just in california, but with detroit and even bigger cities like los angeles that have a looming pension problem. not that we don't feel for them who have been promised in the past, if the money is not there, somebody will have to renegotiate. that is what bankruptcy allows
them to do. if it's a haircut so somebody can get the same kind of penalty in the end we would have a much more successful outcome. gerri: i don't know. this is going to be a big fight. a judge today so this bigoted filing is unconstitutional. you look back, gm was in bankruptcy for six weeks, how long is this thing going to last for the city of detroit? >> this is a completely different kettle of fish. chapter 11 for corporations, it is a different thing. the other point i want to make is 18 or $20 billion of debt outstanding liabilities outstanding. a huge amount of money and to your point about it being a low tax base, that is true. only 13,000 per year.
you do the math, 17 billion is a huge number. gerri: cities go up and cities go down. thank you for coming on tonight. onto our other big story tonight, the sec has slapped billionaire hedge fund manager with insider trading with related charges. the most invested ever. fox business senior correspondent charlie gasparino and author of circle of friends. the government has been after this guy for a long time, you predicted it, was this a surprise? >> no. they were ramping up the failure to supervise gaze. what is fascinating is it is along the lines of what they did with jon corzine. you don't have to charge the target with fraud. just if you have enough evidence failure to supervise and brings with it all the penalties of a
fraud charge. stevehe will be charged. it is on their home court. if you are betting, in 1995 told me what do you think about detroit, i would say that against detroit bonds because that place is a basket case. in 2008 i would have told you they are going bankrupt beccuse the whole auto industry is going bankrupt. the chances of him winning are about as high as detroit. he has great lawyers, he makes a compelling case. gerri: why didn't they charge him with insider trading? >> we didn't have insider trading. if you believe the folks, they have both been indicted.
portfolio manager and if you believe they did something wrong, and the government clearly did, the guy they dealt with has done something wrong. they don't know that, they don't have evidence he got them that link them to the insider trading. they don't say i have insider information. what we believe is they have conversations, they talk about things and he doesn't take the next step like how did you get that. how do you know for sure in his case how do you know for sure that the two stocks he got information that they were going to probably tank because they had unfavorable rules, how did
you know it was going to tank? that is an obvious question. what is fascinating is just how much power the sec has even without a fraud charge they can take you out on failure to supervise and that is what they're going to do here. gerri: is it surprising in this case? >> they think, this is them talking not me, they think he runs a criminal organization with a compliance all these people do bad stuff. gerri: there has been no criminal charge, correct? >> they believe they do all of these bad stuff, the compliance is to protect the man in the middle. there may be a charge against the firm. still a potential for a charge against steve cohen.
i don't think this is the last straw here. i think there is more to come. i think there is a chance, they will charge the firm with some sort of a criminal insider trading case against the firm. more than a theoretical chance is to pursue steve cohen on some charge. they have given up on the criminal charge on the case, which is true. if he flips, maybe they can get something on him. therthere's other stuff they're still looking at. they believe this company has operated in a very shady fashion they should not be allowed to exist and the compliance is there as a cover.
if you don't believe my report, he did not mention him by name but he alluded to them. they speak in code. gerri: it is a fascinating sto story. really appreciate it. unbelievable. we will talk about how soon dna testing could be available to everybody at a low cost. the latest technology you can use to track your teenage driver coming up. every day we' working to be an even better company -
die in car crashes. in a third of those crashes back in 2011, now there are new forms of technology where parents can monitor their kids when they are behind the wheel. so how do you do that? great to see you. the talk about technology being a bad thing when you're driving, but this may be the exception to the rule. >> absolutely. i first told my kids, you are stalking me. i am not stalking you. it opened up a conversation about my experiences in driving and what they had. they agreed this makes sense. i will not monitor every single thing you're doing, are you speeding, their highways and downtown, maybe someplace quitted long-distance c can create invisible fences for them.
the open of a conversation for a contract between them. they knew what i expected, and what they were supposed to do. if you have an accident or if you are caught speeding you lose the car. cheryl: studies have shown those were monitored by by their parents do a better job driving. they're more careful, they drive slower. i would have to think you would be darn mad about it. the whole point is to get away from mom and dad. >> it is about the freedom but you can still be able to monitor. there are a lot of different systems that do a lot of different things. have them understand speeding is illegal besides the fact it is dangerous. you have other things to be concerned about, but if your kids have an accident that is a health issue that could last the rest of their life. gerri: tell me about this. >> ford offers something called
mikey. it allows you to restrict the mileage. you can seek only drive around downtown, i will limit your speed limit to 45. you can say 65, liver agreement you have, the best part of this is if you take off the seatbelt you lose the radio. music is so important to this generation, to take that away. gerri: what is this? >> to have speed limits, allows you to monitor via e-mail, text messaging, this is great, this is really important, you can drive my infinity, here are the restrictions i am imposing. gerri: why don't we use onstar? >> a gm vehicle only, available
on the new vehicles coming out. actually we have an program, however they added a family link allowing family members to see where the other ones are. it can be really great also for watching elderly drivers. this will allow you to help them. gerri: that is a great idea. or when they drive after dark. that is a good thing. tell me about this one. >> there are a bunch of different things. so many different ones. making sound systems. they are linking into the onboard diagnostics, underneath the --dash. you cannot get text messaging or e-mail alerts don't come in. great for keeping the kids hands on the wheel and eyes on the
road. gerri: i understand more teenagers die from driving and texting than they do drinking and driving. anything else you like, yassin, get tested? >> whether you have an android or or an iphone, there is a drive camera, very cool. they have it on their website. emergency braking, the geforce will record the last few seconds before the accident. to prove it may not be your fault and good for parents who say maybe you didn't have an accident but you are driving a little fast. ways to open up conversations. maybe multiple tools would work in your kids cases having something that block cell phones and keeps an eye on what they're doing and where they are going. gerri: thank you for coming on
in explaining. thewe will wrap up our weeklong series on navigating health care system and cutting cost in the process. and what about dna testing? when and if you should take advantage of dna testing to see if you are predisposed to chronic illness. and we0h1 will get your reacti. the most free research reports, customizable charts, powerful screening tools, and guaranteed 1-second trades. and at the center oft all is a surprisingly low price -- just $7.95. in fact, fidelity gives you lower trade commissions than schwab, td ameritrade,
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advair contains both an anti-inflammatory and a long-acting bronchodilator working together to help improve your lung function all day. advair won't replace fast-acting inhalers for sudden symptoms and should not bused more than twice a day. people with copd taking advair may have a higher chance of pneumnia. advair may incrse your risk of osteoporosis some eye prlems. tell your doctor if you have a heart condition or high blood pressure before taking advair. ask your doctor if including advair couldld hep prove your lung function. [ male announcer ] advair diskus fticasone propionate and saterol inhalation powder. get your first prescription free and save on refills at advaircopd.com. gerri: early detection is markee treatment options and higher survival rates. is dna testing the right course for you?
gerri: what are your jeans genes telling you about your health? tonight is partly ongoing user's guide to health care, we uncover the potential inside your dna. angelina jolie made headlines for having a double mastectomy after dna test revealed she had an 80% chance of developing breast cancer. but is dna testing right for everybody? and is it worth the money? trek to the genome research institute. welcome to the show, have to tell our viewers you are actually a celebrity in the world of science because you are at the forefront of mapping the human genome and i think people are really interested in what you do for a living. tell us, if you will, dna testing back in the headlines, she thought she was very likely to get breast cancer as a result of genetic testing.
is this the right diagnosis witr the right way to diagnose any disease? >> it is not necessarily the case for any disease. in a situation with angelina jolie, it is a genetic defect we know predisposes someone to very high risk for getting breast cancer, and one way to avoid it is the kind of treatment she decided to undergo. gerri: the test for thisscost $3000 a lot of people say why is this so expensive, why does it cost so much money? >> that will likely change. the reason was one company basically offered that test, others were not allowed to because of intellectual property constraints associated with it. we have a recent supreme court ruling i suspect we will talk about that.
over the last 10 years has been remarkable new advances in how we can look at dna and basically sequence dna for diagnostics and that will reduce the cost of looking at one particular gene. gerri: i asked before we can diagnose any disease with this kind of a test. what can you diagnose and are all diseases in the genes or is it nature versus nurture? >> practically every disease that he would name, there is evidence at least a genetic component, if not an overt genetic cause. there is both, environmental contributions and genetic contributions. gerri: you can do this online. pay $99, get the kids, basically spit into a box, the analyze your dna.
how adequate is that? >> there are specific known differences in dna between people and from that, they can for information about possible disease risk of various types. that is just a preview of what the future will bring to quite affordably not for $90, but a few thousand dollars now to every single letter in your blueprint. that eventually will give us much more powerful information thaand to get a subset of those letters. gerri: you have done this coming only answer to the question with yourself personally. was it personal or negative? >> i have never had my dna sequenced. gerri: if you have not had your dna sequence, you don't know all the mysteries of your dna, how long are you going to wait? when would be the right time to have that kind of work done?
>> that is a great question, could be prompted if i had a medical condition where i would feel i would gain new information. i have not had a circumstance where it would change anything i am doing. i rely on family history. i make sure to be checked by my dermatologist once per year. i know my family history. gerri: thank you for coming on, absolute pleasure to have you on the show. thank you. now we want to know what you think, would you want to know if you are predisposed to chronic illness? vote on the right-hand side of the screen and we will share the results at the end of the show. i will introduce you to a man that will make you think twice about coming up with an excuse not to xercise. he is 95 and running and winning awards. and next, more of the user guide to health care for everything we have learned how to manage
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♪ gerri: all this week, we've been bringing you our users guide to health care tips on managing health care and interacting with doctors in the insurance companies. it's complicated. the progress of getting quality health care in the country is frustrating. you are pitted against an industrial that is becoming more and more concerned with its bottom line rather than quality of care. the author of "how to dure r survive your doctor's care" told us this week what types of games insurance companies play to steel money from your pockets like coding up. >> everything is based on the code, which is the transaction fee. think of a skew number for what your doctor gave you, and it's
very specific. the insurers don't want to pay, anded providers, the hospitals and physicians do want to pay, and the patients want to be reimbursed or have services covered. howeverrings it's fraud to say that you gave a service that you did not provide. that said, there's very much a gray zone, and there's degrees for people in how to code if you have two equal -- if you have two -- if you have a procedure with two explanations, one could be reimbursed at a higher level. when i go to meetings, there's now classes in how to code to your advantage. gerri: unbelievable. as insurers consolidate, networks change, and obamacare is implemented, you might be in the market for a new doctor. the ceo of american institute for preventative medicine, dr. don powell offers tips on where to start looking. >> make sure that the doctor is accepting your insurance and provided part of your insurance network because that could be
expensive if they're not. find out about office hours and it's a convenience in terms of location, who will be able to see you when the doctor is not there, have there been in the lawsuits brought against the provider, and if so, how many? what were the outgrowth of those? that is the matter of public record for our many people to access. how trained are they? are they board certified or simply board eligible? board certified means they passed exams after the residential, and eligible means they took the residency but never passed the exam. gerri: not only worrying about coding up, but worry about the wrong codes entered into your bill. we found out that 8 o% of medical bills, 80 #% contain errors that could cost you pun. >> most consumers are baffled. they get the explanation of benefits which is an oxy moron
when you think about it because it doesn't explain anything, unfortunately. at the same time, it's so important for the consumer to be aware in understanding this. it's big, big money on table. there was a bill that we worked on for sinus surgery for a child. the cvt code was wrong, and turns out it was what we condition that had to do with organs being in the wrong part of the body. totally miscoded, and how would you even know that? your child had a sinus surgery, and, obviously, the second procedure was more money. we sought through this all the time. >> just because you have a doctor and provider, you can trust with the health and money, that doesn't mean you shouldn't shop around. prices for procedures vary incredibly, and going to a different provider across the street can save you hundreds of dollars, if not thousands. health care blue book ceo doctor
jeff bryce and medical cost advocates explain why the procedures cost so much, and rich wilson, a business executive from nashville gave us a real life story how he saved money op a medical procedure. >> pricing is very difficult to determine in health care. there's not a direct relationship the way you find in other industries in terms of the quantity of health care and how much you paid for it, and in particular, the quality aspect is a lot of times missing. typically, what we'll -- the way pricing is determined is based on volume, competitive -- gerri: not in this case. >> yeah. what happens is because it's difficult to determine and because there's codes that are involved in creating that cost, it's tough for a hospital or provider to provide estimates to the customer. >> whether it's medicare, commercial insurance, prices vary for common health care services, surgeries, mris by five-fold, ten-fold, and you can
literally get an mri for $700 in one building and $3500 in another building. >> i looked up what the fair price of an mri -- gerri: what was the fair price? >> it was interesting. what the site showed was that the variability just discussed was right there in front of me. it was somewhere in the neighborhood of 1600 dollars down to a low of $500. gerri: what did you do with the information? take it back and negotiate something tougher? >> actually, well, as they were mentioning, there was a list of the providers, there were actual providers on the site that did the procedure for the $500, so i actually called one of the facilities that was right down the street from me, and i confirmed that they would do it for $5 # 00, and so, actually, feeling a little emboldened at that point, i said, i said, is that the best that you can do? to my surprise, she said, well, can you get here at eight
o'clock tonight? i said, sure. she said, if you can get here at eight o'clock tonight, we'll do it for $4 # -- $400. gerri: negotiate is the lesson. looking out for your health care. next week, more on the cpt codes we talked about on your medical bills. i'll be joined by dr. scott who says, you know what? they are all a scam. you want to see that, that's for sure. young at heart, next meet the man who puts us all to shame. orville rogers, a 95-year-old runner, joining me after the break. ♪ [ male announcer ] if you're taking multiple medications,
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this week is not sitting well with connecticut's two senators. they are calling for an independent audit of the more than 11 million in donations received. they feel that at least 70% of the money should benefit victims' families. we'll continue to closely follow the story as we have been. the money was supposed to start being handed out next month. we'll see what happens with that and update you next week. we want to bring you, well, it's a feel-good story. our next guest truly inspirational, orville rogers started running 45 years ago, and today, he's breaking world records at age 95. he's proving you're never too old to accomplish the extraordinary, and you can actually get healthier as you age. he also has no plans of slowing down any time soon. orville rogers joining me now. welcome to the show. orville, tell me what inspired you to run? >> well, when i turned 50 years
old, i was fortunate enough to read a book by dr. ken cooper, and it was entitled aerobikes, and it was inspiring that i started running and have been ever since. gerri: you got seven world records. tell us about that. >> well, i'd have to correct you a bit. i found out that one of them is not valid, so i have only six. may i show you the medals? gerri: look at that. >> these are six medals for the the indoor national championship in andover, maryland last march. i thought i got six world records, one for each medal, but i did not. however, about a month ago, i ran in an outdoor meet, and i got a gold medal and a world record so i do have six world records this year. gerri: hole them up so our
viewers can see that. that's impressive, my friend. what is your secret to getting these? wwat are you doing that the rest of us aren't? >> that's a difficult question to answer. i've always been fairly healthy, but i did not start running until i was 50, but i really took it to heart, and i've tried to be faithful to an exercise regimen and, of course, diet goes into it. i'm not a health food nut, but i do try to eat healthy foods, and i think there's a spiritual mental aspect to it as well. i guess i've just put it all together, i hope. gerri: clearly, you have put it together. now, i want to talk to you about injuries becem to always experience some kind of injury. you have suffered a stroke, but you've come back from it. how. >> well, i told them in the rehabilitation program that i wanted a very vigorous attempt
at getting me back into shape, and they gave it to me, and i think i surprised them because i was running within a month or two after my stroke, and i'm feeling good, doing well, and i'm happy to be able to achieve new records along the way. gerri: you know, it was conventional wisdom that people your age should not over exert themselves. what do you say to people who talk that way? >> i think it's foolish to talk that way. i have friends near my age, i think i'm alone now, mostly in the national competition scene, but there are many people nearly my age that run, and i encourage them to continue running, and back to the previous question that i failed to answer. there's a common belief that running with injuries, but there's a study from stanford university five years ago saying some 30 years or so, and the people who exercised had a death
rate of only 50% of the ones who did not, but the finding was the people who exercise had fewer joint problems than the one who did not exercise. that's astounding. gerri: that is astounding. you're astounding. orville, thanks for coming on the show tonight, a pleasure to meet you, and you inspired us, thank you. >> well, thank you. gerri: unbelievable. 95! he's running competitively. wow. still to come, my two cents more, and, next, the power of smell to booot business, and how stores and hotels use perfume to get you to part with your money. ♪
gerri: ever smell is a scent that made you want to buy something? smells have a powerful impact on consumer behavior. him here at additions to perfume in new york city with frederick, perfume publisher. frederick, great to see you. >> welcome to the store. gerri: thank you so much. tell me why are smells so powerful for consumers? >> i think smells sort of catch the sort of part of you with co them, but the emotion, and you don't know why. it's abstract. it's a work of art. paintings or music trigger emotions, but it's not a note that triggers the emotion, but the whole thing. gerri: smells make you want to buy? are there smells you would use
in a store? >> well, there's not a magical smell that makes you want to buy as much as it's not a magical smell that will attract every man around you, not that you need it, but there are scents that make you feel comfortable. that will create the identity of the store or like the identity of a house. you remember, probably, your good mother's house because of the smell. you have memories from childhood, so, basically, what the people are doing when they create scents for stores is to try to create a comfortable, identifiable scent that will help people remembering a specific store, and we want to come back to it. >> okay. you got this special gizmo here. what's this for? >> basically, that is a scent, what mirrors of the garments. when i spray, for instance, a
fray grapes -- fragrance in there, like this, and show it to customers, i mean, just by smelling, the person -- this is lilac. this allows you to see what sort of ora your generating if you wear this particular scent. gerri: i don't stand in here. no, no, you don't. that's star trek, not us. [laughter] gerri: if i was going to open a store, and i was trying to appeal to young women, what scents might i use? what smells might i use to entice them to come and stay? >> your lilac is your youngest scent, the fresher scent, a cleaner scent. you will touch people that are looking for truly natural smelling fragrance, but you will also touch people that want to smell clean, that want to have transparency.
gerri: you come by this naturally? yourrfamily was in the business? >> yes, i do, actually, i was brought up in the business. my grandfather, who i never met because he died before i was born, created a company called christian dior, and my mother looked at dior for 47 years, and so i was brought up smelling all these fragrances or having to try them basically, and i knew that fragrances existed when i was five, and i was wearing them. i was, like, a moving, sort of sample. in 2000, i decided to open this house where the creators, the office would be able to publish their own fragrances, and hence the idea, and we recreated this first luxury house, and since then, many other brands have come our way. gerri: frederick, help me pick out a scent. >> yeah, of course, good
pleasure. what happens in my head when i try to help somebody is, you know, all these hints someone wearing high heels, having nice long hair, looking you straight in the eyes, it's not exactly the same thing as someone sort of looking down, wearing, you know, her grandmother's dress. it's two different person. it's two different fragrances. gut feeling, i think the ragnce u'dlke inor colltni hi lw, this is here. now, -- gerri: that's wonderful. gerri: frederick, thank you for the sensational lesson. appreciate your time. >> thank you for coming to my store. gerri: we'll be right back with the answer to the question of the day. stay with us. ♪ my name is mike and i quit smoking.
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>> finally it seems like health care proceeds at a furious pace every day. with thh new discovery. the same four dna testing. angelina joe lee got tons of attention for her decision to have a double mastectomy after pausing -- testing positive for the gene. don't forget it is not just nature but also nurture that determines your health. just like lung cancer has a big connection to add you live your life. i would like to think i have the impact on my health with my a behavior. we hope you enjoyed your week-long look to health care. it was a pleasure to research and report. you can't find my block
under gerri willis.com. that is it for tonight. we will see you next week. lou: the good evening. a nation of the george zimmerman murder trial has been blatant from the beginning but now the rhetoric from the obama administration is incendiary. aimed to undercut public confidence in the judicial system, a trial by jury and does a man not guilty verdict. many of the corrosive comments have originated with the leading law enforcement officer. attorney general eric holder first obama release is a statement yesterday calling for restraint but not missing an opportunity